The Independent Insurance Agent

Buying insurance is a serious business. It is more complicated than other commodities, and you must make your purchase decisions carefully. There are three primary ways to buy insurance: directly from an insurance company, from a local captive agent or a local independent agent. All of these options are different, and it can be difficult for some consumers to determine which is the best choice.

In general, working with a local independent agent is the best choice for consumers looking to purchase insurance. Read on to find out why.

Buying from an Agent versus Buying Direct

When you buy insurance directly from a specific insurance company, you won’t work with an agent in your area. Instead, you will complete the purchase online or over the phone with the help of an agent you may never speak to again. When you buy from a local agent, however, you will talk with someone who works in your area and can guide you through the purchase process. This same individual will continue to handle your policies even after the purchase process is complete.

Local agents may be captive or independent. Captive agents are agents who represent a single insurance company. Independent agents, on the other hand, represent multiple insurance companies. For example, if you call a captive agent who works for State Farm, the only quotes you receive will be from State Farm. However, an independent agent may provide you with quotes from three or more insurance companies at the same time.

Benefits of Working with an Independent Agent

Some of the primary benefits of working with a local independent agent are listed below.

1. Local independent agents are available when you need them.

A local independent agent is available to provide customer support when you have questions or concerns about your policy.

2. Local independent agents have knowledge and experience.

Local independent agents have specialized knowledge and experience that allows them to provide valuable advice. They can help you find the right policies, and they can also help you to find any discounts you can use to lower the price of coverage. Local captive agents also have knowledge and experience, but they have less freedom to provide unbiased advice because of the nature of their relationship with the insurance company they represent.

3. Independent agents have access to multiple carriers.

A local independent agent can obtain quotes from multiple insurance carriers so you can be sure you are getting the best deal. Also, an independent agent can find you another policy if you are unhappy with your current coverage or if your current policy is canceled.

Finding the Right Policy

When you are preparing to buy insurance, you always need to make the quality of the coverage your top priority. At Imes Insurance Associates, we can help you find insurance policies that meet all of your requirements for an affordable price. Please contact us today to get started or to learn more about our services.

Free Newsletter!

Great people, great products and services. If you are shopping for insurance strongly urge you to try Imes insurance.

Greg Janssen

We’ve been with Imes Insurance Associates for over15 years. Perry Imes and his staff are professional and always helpful with insurance matters. As an independent insurance agency, Perry is able to advise on what insurance is the best for our individual circumstances. When we have had occasion to submit a claim, the office was great in guiding us through the process.

Mary R.

We’ve been using Imes Insurance Associates for years and will be for years to come. Henry, Linda, and Melinda have been very helpful with ALL(Workman’s Comp, Garage Keeper’s, Vehicles, Boats, UTVs, ATV’s, Home Owners, Home Renters, Advice, etc) business and personal insurance needs. Stop dealing with several different insurance companies, this is your one-stop shop for all your insurance needs. Thank You for everything!! -Adam, Business Owner

BW Parts

Henry DeVall, the agent I deal with, is the best of the best. He cares about people and their unique requirements. I’ve worked with him for years, and now that my boys are on their own, they too work with Henry. I feel very comfortable that Henry is taking good care of all of us. When I have a quick question, I have also been very pleased with the support of his administrative staff. Everyone I have dealt with has been very friendly, helpful and knowledgeable.

Gerald Keyser

Imes Insurance rocks! They have done my personal and business insurance for many, many years. I couldn’t be more happy with the speed of service and the “can-do” attitude.

Greg Janssen

I’ve been with Imes since 1997+\- I’ve had coverage on boats, trailers, vehicles, and home. Perry and his crew have always been there for me and always worked hard to get me the best possible rates. They always greet me with a smile (I can see it over the phone)My hats off to you guys.

Will Rice

Sara and I have had our insurance with Perry, Melinda, and crew for over 20 years. The prices for services have always been competitive. The service and product guidance are what sets them apart.

Sara Rowe

Such a wonderful experience working with Imes Insurance Associates. Everyone is so friendly and helpful!

Chelsea Mesa

There I was stuck on the freeway with a blown tire. I called and Carol got me connected with Roadside rescuer in minutes. They towed my car off the ramp to a safe place and changed my tire.

Scott Baglien

We have been with Imes Insurance for a few years now & are very happy. Their customer service is wonderful & I always can count on them to answer any questions and/or solve problems, which is so very important. I would highly recommend them to anyone who needs insurance!